Croatia travel insurance

Croatia Travel Insurance | Everything You Need to Know

Croatia is generally a safe place for tourists to explore, but Croatia travel insurance can provide added security on your trip. Anything can happen abroad, so consider insurance an investment to preserve your peace of mind!

A lot has happened on the road since I quit my corporate attorney job to travel full time. I’ve been robbed in Belize, had my laptop stolen in Austin, and gotten stuck in Argentina due to COVID-19. Fortunately, I’ve never had a problem in Croatia, but I still choose to get insured just in case.

In this guide, I’ll go over everything you need to know about Croatia travel insurance:

Disclosure: I am not a licensed broker and cannot choose insurance for you. Be sure to read policy terms and conditions closely before making a purchase. Also please note that this is a reader-supported travel blog, so by purchasing through my affiliate links you help support our site.

My Top Choice
World Nomads

I've personally use World Nomads (here's proof) for more than 50 countries. I've tried others but always return because I think its simpler & more transparent.

Pros: Simple & flexible, balances price & quality, upfront transparency about covid (no insurer covers all covid risks, but at least they actually explain it!)

Cons: Not available to seniors 70+ in USA (or 65+ in other countries)

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Best Comparison Site

A search engine that fetches quotes from hundreds of companies. Great for comparison shoppers who want to really dig into details!

Pros: Compare hundreds of insurers, see customer reviews

Cons: Not as simple as World Nomads (you need to sort through a lot of detail)

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Best for Seniors 70+
Insure My Trip

This is the site to use if you can't get a quote elsewhere due to age or pre-existing conditions.

Pros: Usually finds quotes for seniors even when other sites won't offer anything past a certain age

Cons: No clearly displayed info about Covid coverages, a clunkier user experience in my opinion

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Is Travel Insurance Required for Croatia?

The Croatia Interior Ministry’s list of legal requirements for tourists does not include any requirement to purchase travel insurance for Croatia. With that said, many travelers from the USA elect to get insured. The US Bureau of Consular Affairs even recommends “you should purchase insurance before you travel.”

Why I Insure My Trips to Croatia

While it’s not mandatory to buy travel insurance while traveling to Croatia, many travelers think it is a good idea to get coverage no matter your destination. I personally always buy travel insurance when I visit European countries, too. Here are some reasons why:

Rooftops in Dubrovnik's Old City
Dubrovnik’s Old City

COVID-19 Considerations

COVID-19 is a still factor to consider while traveling in 2021. Even if you are vaccinated, something could happen to derail your travel plans while out of the country. Making sure to prepare for an emergency during your international vacation is key.

This Washington Post article, entitled “What If You Test Positive for Covid Abroad? Here’s What Travelers Need to Know,” covers struggles some tourists face while dealing with COVID-19 overseas. While an insurance policy isn’t going to take the stress of catching covid, it can at least provide financial protection for covered losses.

Travel Insurance Has Benefits

Though it depends on the specific policy you buy, here are some common travel insurance benefits that I care about when choosing travel insurance:

  • 😷 Emergency Medical Coverage:
    • What It Is: Coverage for injuries and sickness while traveling, which may include coverage for hospitalization, out-patient treatment for medical emergencies, prescribed medicines, x-rays, and lab tests. Note that for many policies, it depends what activities you are doing (for example, adventure activities may require the purchase of extra coverage).
    • Why It Matters: An emergency can happen to anyone, even if you’re healthy. International medical expenses can add up fast, so I try to choose a healthcare policy that can keep me safe!
  • ✈️ Trip Cancellation:
    • What It Is: Trip cancelation is a benefit that can reimburse you for covered pre-paid non-refundable trip costs when you have to cancel because of a reason covered under your plan.
    • Why It Matters: The past year taught me to expect the unexpected. You never know what could come up and cancel your holiday in Croatia.
  • 🚘 Rental Car Protection:
    • What It Is: Like most every country, Croatia requires car insurance for those driving there to protect against liability in case of an accident.
    • Why It Matters: There’s so much to love about taking a road trip around Croatia. You can experience the beautiful Dubrovnik coast or the countless national parks. You absolutely need car insurance when going on a road trip abroad.
  • 🎧 Gear Theft Protection Coverage:
    • What It Is: Some policies provide protection against bag being lost, or items being stolen. Be sure to check the policy limits closely here, as most have a cap on payouts for this type of loss.
    • Why It Matters: Crime rates are low in Croatia, but pickpocketing and petty theft are something a tourist should consider in bigger cities like Zagreb. Keep your personal gear covered.
  • 🧳 Baggage Protection Coverage:
    • What It Is: Though baggage loss is rare, and is often covered by the airline anyway, this adds an extra layer of protection should something go wrong in transit.
    • Why It Matters: It’s possible your suitcases can get lost during your flight. Having an insurance policy that will cover your items so you can relax at baggage claim. Still, it’s always advisable to keep valuables in your carry on luggage.
  • 🚁 Medical Evacuation and Repatriation:
    • What It Is: A benefit that can cover emergency transportation and related medical services or supplies.
    • Why It Matters: Nobody wants to think about having a serious emergency. If you need to get home during an emergency, costs can quickly add up, and you can pay way more money than you planned.

These are some advantages of buying an insurance policy for your trip to Croatia. The exact coverage you receive will depend on the policy, so do careful research before you buy!

Best Sites to Compare Croatia Travel Insurance

boats tied up in Hvar
Hvar, Croatia

If you’re ready to buy international travel insurance for your trip to Croatia, it’s time to do some online reading. These sites are my personal favorites:

World Nomads

I’ve personally used World Nomads throughout my travels in almost 50 countries.

Here’s why I love and use World Nomads:

  • 😀 Easy to Use – It’s easy to make claims online if you have an internet connection.
  • 🕐 24/7 Emergency Assistance – You can always contact someone if you need help, no matter the time.
  • 🌎 Easy to Extend Coverage – World Nomads makes it simple to extend your policy mid-trip. Don’t worry if another gorgeous Croatian national park needs to be explored!

While I do love the services World Nomad offers, not everything about them is perfect. In particular, World Nomads may not always be the best option for seniors because they do not sell insurance to those over 65 in many countries, or over 70 in the USA.

This is why it’s always important to research and compare travel insurance quotes before traveling to Croatia.

What makes this site so great is how easy it is to compare policy providers. Reading customer reviews can be a real asset when comparing travel insurance options during your research. You can view what travelers thought about policies offered by hundreds of companies.

With hundreds of policies available, I love learning what each travel insurance policy offers with just a few clicks.

Insure My Trip

Several readers have suggested Insure My Trip as a good place for seniors over 70 or people with pre-existing conditions to get coverage. This is another aggregator website, so you can investigate and compare many options before buying travel insurance for Croatia.

They also have an “Anytime Advocates” program which is worth mention. This program basically assigns you a representative to help if you need to make a claim that requires underwriting your policy. If your claim is denied, the advocate will keep working on your behalf to determine why and help with the appeal process.

Travel Safety in Croatia

Croatia is generally a safe European destination. Most tourists feel perfectly safe during their trip to the country, and I don’t want to overplay any safety concerns. Still, before going on a Croatian holiday, you may want to check out travel advisories from the US Travel Department or UK’s FCO and consider the below information:

stones on a walkway in Croatia
Rovinj, Croatia

Crime in Croatia

Overall, crime is low in Croatia, and violent crime is rate, making visiting a safe option for travelers. Croatia has even ranked as the 22nd safest country for tourists by Global Finance.

If you do experience crime, it will likely be petty theft or scams. Here are some tips to consider:

  • 👀 Keep an eye on your belongings. Petty theft may occur in Zagreb or other major cities, so make sure to pay attention to your things.
  • 💳 Consider using an RFID-blocking wallet to keep your credit cards safe from thieves using digital scanners. These are useful in crowded cities across Europe.
  • 👉 Only keep a few key items on you at a time, like your phone and wallet. Keep everything else in a locked room or safe where you are staying.

Since Croatia is typically safe, you don’t need to worry too much. Follow a few general travel rules and immerse yourself in the culture and natural landscape.

Croatia’s Healthcare System

Croatia has three types of healthcare. Croatian citizens can access basic free healthcare called HZZO, private supplemental insurance, or private health insurance.

For EU members, you should carry your European Health Insurance Card (EHIC) to benefit from HZZO care. UK nationals may need to research getting a Global Health Insurance Card if their EHIC has expired.

If you’re not a member of the UK or EU country, you may want to get medical insurance so you won’t have to pay medical costs out of pocket during an emergency. This is a primary reason why, as an American, I get travel insurance for Croatia.

Health Insurance in Croatia

Getting your head around the three-tiered system can be difficult. If you’re an ex-pat looking for national coverage, take a look at this guide, which goes into depth about each type of insurance available and other related factors.

Coronavirus in Croatia

As of spring 2021, the COVID-19 pandemic is ongoing in Croatia. Across Europe, the situation is constantly changing each day, so travelers from the US should be sure to check online for travel updates and advisories. Always follow local health measures wherever you are visiting.

We have a full article discussing travel insurance and coronavirus, which goes into more detail on covid-related considerations.

Croatia Safety Tips and Info

sunset over a hill in Croatia
Sunsets in Croatia are gorgeous
  • 🗺️ Where to Go: Dubrovnik, while super popular these days, is a stunning place to visit. For something a little less known, consider heading to Rovinj. Or just check out our full article on the best travel destinations in Croatia.
  • 📆 Best Time to Travel to Croatia: Croatia is best experienced in the summer! Get lost experiencing the idyllic beaches, and coast towns make the country an extraordinary sunny getaway.
  • 💶 Currency: The currency remains the Croatian kuna, even though Croatia is an EU country.
  • 🗨️ Language: Croatian is the official language, and 80% of Croatians speak at least one other language. Generally speaking, tourists will have no problem getting by with English.

Check out our full Croatia travel guide for more info to help you plan your trip!

Frequently Asked Questions

How much is health insurance in Croatia?

The cost of health insurance for ex-pats living in Croatia will depend on the type of coverage you choose and the individual policy. Your most reliable option is to calculate your monthly expenses and decide what type of insurance is most beneficial for you. The price will depend on a variety of factors such as your age, location, and income.

Is it cheaper to get travel insurance as a couple?

It can be cheaper to get travel insurance as a couple when traveling internationally, depending on the provider you choose. Before your vacation, make sure to purchase a travel insurance policy that covers your concerns.

What is the average cost of travel insurance?

Depending on the type of coverage you’re after (emergency medical, trip cancellation, etc…), this can vary. Factors such as age and destination can also play a role in cost. Most often, a policy will cost around USD 100.


This is a guide for Croatian travel insurance. Make sure you always read the terms and conditions before you buy, and ask a licensed broker if you have any questions.

Make sure to check out our Ultimate Croatia 10 Days Itinerary while you plan your trip, and happy travels!

Related reading:

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